Whether your wallet is tucked into your pocket, thrown in your purse, or a swipe away on your smartphone, the way you handle your money has an effect on your actions - whether intentional or not. Today, Pankaj Sharma, Global Lead, Wallets, Product & Commercialization, Visa Direct at Visa and Ani Sane, Co-Founder & Chief Business Officer of TerraPay, sort through what digital wallets are, what digital wallet usage means for our spending habits, and if cash will even be around in 20 years. We hope you enjoy this fascinating new episode of Money Travels, brought to you by Visa.  Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comVisa Direct capability enabled through a financial institution partner.Visa Direct product availability and functionality varies by market.The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.Availability varies by market. Please refer to your Visa representative for more information on availability.Visa Direct Wallet capability is under development and not yet commercially available.The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes, and are solely responsible for their own compliance with applicable laws and regulations. Optional compliance controls and risk management tools and services are provided solely for the convenience of [sending acquirers, service providers, merchants, and recipient issuers / the Visa Direct clients and participants, and Visa makes no warranties with respect to them or their results. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.This podcast describes controls for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.Lee, Y.Y., Gan, C.L. & Liew, T.W. Do E-wallets trigger impulse purchases? An analysis of Malaysian Gen-Y and Gen-Z consumers. J Market Anal 11, 244–261 (2023). https://doi.org/10.1057/s41270-022-00164-9Juniper Research Ltd, Digital Wallets – Accelerating to a Cashless Society, 2021, https://www.juniperresearch.com/whitepapers/digital-wallets-accelerating-to-a-cashless.

FinTechs innovate how we pay and get paid. And their meteoric rise would not have been possible without networks like Visa Direct that help modernize payments by enabling transparent, real-time* money movement through eligible debit cards. Today, hear about the infrastructure behind the rise of FinTechs from Anastasia Serikova, Head of Visa Direct, Europe, and Stergios Tsalis, Vice President of Payments Experience at Nuvei, a payment technology platform that provides processing infrastructure and support for businesses to send and receive money. Press play and enjoy this in-depth new episode of Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comVisa Direct capability enabled through a financial institution partner.Visa Direct product availability and functionality varies by market.Actual fund availability depends on receiving financial institution and region.The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.The conversion of cryptocurrency (non-fiat currency) to fiat currency (e.g., EUR, USD) occurs outside of Visa’s system. Visa’s involvement in any of these potential use cases is solely to send fiat currency funds using an OCT or AFT.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.Certain Visa Direct Services involve the use of third party service providers, other financial institutions (such as network partners) and local clearing schemes.Availability varies by market. Please refer to your Visa representative for more information on availability.Visa Direct Wallet capability is under development and not yet commerciallyavailable.This podcast describes controls for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.

No matter where a business is located, there is a high chance that business has customers in other places around the world. In addition to those goods and services crossing boundaries, so can the payment and the payout. Today, Richard Meszaros, Vice President and Head of Cross Border Money Movement for North America at Visa Direct, and Robert Clayton, Vice President of Digital Payouts at Fiserv, examine the innovations that support and enable budding entrepreneurs, artists and craftspeople who can’t make a living solely by selling their goods locally, and raise fortunes globally. You won’t want to miss this engaging new episode of Money Travels, brought to you by Visa. Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comVisa Direct capability enabled through a financial institution partner.Visa Direct product availability and functionality varies by market.The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.Visa Direct product availability and functionality varies by market.Visa Direct’s actual fund availability depends on receiving financial institution and region.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.The Visa controls described in this podcast are for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.Certain Visa Direct Services involve the use of third party service providers, other financial institutions (such as network partners) and local clearing schemes.Visa Direct Wallet is not yet commercially available. Please consult your Visa Representative for further information.

When a crisis hits, traditional means of getting money become impossible and refugees fleeing dangerous situations often leave everything behind - including documents that are needed to access their money in a different country. Join Gouranga Dhanagare, the new VP, Head of Visa Direct for the CEMEA region, and Valeriy Danylenko, the former Deputy CEO of Tascombank, as they discuss the digital money movement innovations that helped Ukrainians move money after Russia invaded last year, and the invisible infrastructure that made it possible. Hit play and enjoy this thought-provoking new episode of Money Travels, presented by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comVisa Direct capability enabled through a financial institution partner.Visa Direct product availability and functionality varies by market.The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.Visa Direct product availability and functionality varies by market.Visa Direct’s actual fund availability depends on receiving financial institution and region.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.The Visa controls described in this podcast are for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.

Remittances span beyond overseas workers sending money back home. With more and more of our financial transactions going digital, people are remitting money to pay for overseas education, property, healthcare, or tourism. Dive deeper into global remittances, particularly in Asia Pacific, with Deepan Dagur, Vice President, Head of Visa Direct, Asia Pacific at Visa, and Aswin Phlaphongphanich, the Co-Founder and CEO of DeeMoney, Thailand's leading FinTech specializing in international money transfers. Sit back and press play on the new episode of Money Travels, presented by Visa. Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comVisa Direct capability enabled through a financial institution partner.Visa Direct product availability and functionality varies by market.The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.Visa Direct product availability and functionality varies by market.Visa Direct’s actual fund availability depends on receiving financial institution and region.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.The Visa controls described in this podcast are for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.Migration and Development Brief 37 November 2022, International Bank for Reconstruction and Development/The World Bank, November 2022, knomad.org.“Reimagining travel: Thailand tourism after the COVID-19 pandemic,” McKinsey & Company, November 30 2021, mckinsey.com.Data collected as part of the Market Sizing research project conducted by Accenture, 2017.Data collected as part of the Market Sizing research project conducted by McKinsey, 2018.Copyright ©2020 “Profile of International Transactions in US. Residential Real Estate.” NATIONAL ASSOCIATION OF REALTORS®. All rights reserved. August 6, 2020, https://www.nar.realtor/sites/default/files/documents/2020-international-transactions-in-us-residential-real-estate-08-06-2020.pdf

We are all well aware of the risks of entering sensitive personal information online, but the pull of convenience can often be stronger than our fears of being defrauded. Sue Onians, Vice President of Visa Direct Ecosystem and Risk, joins Indre Viskontas to discuss the evolution of financial fraud and what Visa is doing to help keep digital transactions safe. We hope you enjoy this insightful episode of Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comActual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.Visa Direct capability enabled through financial institution partner.Visa Direct product availability and functionality varies by market.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.This podcast contains illustrative descriptions of a product currently in the process of deployment, and should be understood as a representation of the potential features of the fully- deployed product. The final version of this product may not contain all of the features described in this podcast.Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes, and are solely responsible for their own compliance with applicable laws and regulations. Optional compliance controls and risk management tools and services are provided solely for the convenience of sending acquirers, service providers, merchants, and recipient issuers / the Visa Direct clients and participants, and Visa makes no warranties with respect to them or their results. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.UK Finance. “Annual Fraud Report: The Definitive Overview of Payment Industry Fraud in 2021”. Available at https://www.ukfinance.org.uk/system/files/2022-06/Annual%20Fraud%20Report%202022_FINAL_.pdf This episode describes controls for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.

The digitization of money movement has made cash and checks virtually obsolete, but moving money from point A to point B still often means that sensitive banking information has to change hands. Indre Viskontas is joined by Serge Elkiner, CEO of YellowPepper and Head of Product at Visa Direct, and Lucho Torres, CDO for Scotiabank Peru, to talk about concerns with security and fraud, as well as walk through the latest innovations from Visa and how they can help empower consumers and help make money movement more safe, convenient, and accessible. Hit play and enjoy this thought-provoking episode of Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.com Actual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.Visa Direct capability enabled through financial institution partner.Visa Direct product availability and functionality varies by market.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.YellowPepper’s technology helps clients connect to payment solutions. Clients must separately contract with the solution providers.

We put our money in banks to keep it safe, and maybe watch it grow. But now that the digital revolution is here, and we’ve gotten a taste for real-time money movement, we want that same ease to be in place when we bank.  To show us how it’s done, Indre Viskontas is speaking with Norman Butler, the Managing Director of Visa Payments Limited, and Parikshit Bhattacharya, who is the VP and Head of Cash Management of the Middle East at Barclays, about the the infrastructure necessary to support moving money across borders, with different currencies, at the scale and speed that we now expect.  So press play and get ready for this insightful episode of Money Travels, brought to you by Visa. Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.com Actual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.Visa Direct product availability and functionality depends on receiving financial institution and region.Visa Direct Wallet capability is under development and not yet commercially available.The Visa controls described in this podcast are for Visa's internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.

From gig workers to full timers, it seems people need to get paid faster than ever these days. That's why Visa Direct is helping businesses across the globe strengthen their workforce and increase retention by giving employees fast access to the money they've earned. On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by three very exciting guests: the Head of Global Commercialization for Visa Direct, Mike West, Senior Director of Payroll and Benefits at Ralph Lauren, Paul Simpson, and Strategic Initiatives Director at CloudPay, Nick Newman. Together, the four discuss the latest developments in wage access that help employers pay their workers fast - and what implications these innovations might have for the future of work. So press play and settle in for this insightful episode of Money Travels, brought to you by Visa. Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comActual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this recording, nor assumes any liability or responsibility that may result from reliance on such information. The information contained herein is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.Wallet functionality varies by market. Please consult your Visa Representative.Earned Wage Access Preferences Survey (April 2019). Commissioned by Visa and conducted by AYTM among 1,000 employees across the United States.

Migration has been a feature of human history for as long as we’ve been able to track it, but payment methods have not kept up with the need for safe and efficient ways to send funds home to loved ones. On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by Breno Andrade, VP, Visa Direct Latin America and Caribbean, and Enrique Perezalonso, CEO and Co-Founder at Palla, a FinTech company that enables faster peer-to-peer payments. The trio discuss the unique needs of those who rely on remittances, and the complications that arise with cross-border money movement, including currency conversion and how remittance fees vary around the world. Plus, they’ll cover the latest innovations being developed to address these issues, making it more efficient and convenient to share the wealth. Hit play and enjoy this fascinating episode of Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comActual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa Direct product availability and functionality varies by market.

Technology has enabled us to send money to friends or buy something in-store with the tap of a button. So why is it still so difficult to move money between our own accounts? On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by Nicole Stiller, VP Head of Domestic Payments, North America Visa Direct, and Horacio Diaz Adda, the Chief Financial Officer at Step, a first-of-its-kind financial platform that empowers teens and adults to build credit, invest, save, and spend. The trio discuss the cumbersome process of transferring money between accounts and dive into how technology has increased the expectation of real-time payments. Hit play and enjoy this episode of Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comActual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this recording, nor assumes any liability or responsibility that may result from reliance on such information. The information contained herein is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.Visa Direct product availability and functionality varies by market. 

Through the digitization of money movement around the world, a time-consuming process that lacked transparency has slowly improved.  But how do we build an even better global money movement network? On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by the Global Head of Visa Direct, Ruben Salazar Genovez. He joins Indre to discuss the challenges associated with building a worldwide network to enable fast money movement and look at how the latest technological innovations are laying the groundwork for the future of money movement. This is an insightful episode you do not want to miss, so press play and join us for Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.com Actual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.

Thanks to technology, we live in a world that becomes more interconnected every day, and as we grow closer, we not only see our similarities, but we also see the unique needs of people in every corner of the globe.  So, the question begs to be asked, how can we use the very innovations that have brought us together to also serve the different needs of people around the world?  In Money Travels, presented by Visa, we’ll journey across the continents exploring the nuances of real-time¹ payments from place to place while learning about the unique human needs in these diverse locations.  Join neuroscientist and author, Indre Viskontas as she speaks with expert voices who are exploring the latest trends and insights that are helping ensure bright futures no matter where on earth you find yourself!     Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comDisclaimer: ¹Actual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border.